How to Use Your Money As A Tool,
Become Financially Fit &
Build Your Wealth
How to Use Your Money As A Tool, Become Financially Fit & Build Your Wealth
Master the new rules of money, 
get out of debt, and create
multiple streams of passive income.
Master the new rules of money, get out of debt, 
and create multiple streams of passive income. 
Hi, my name is Jaspreet Singh.

I'm the founder of the Minority Mindset & in this course, I want to show you how to use your money the right way. 
  • ​Not on the government’s terms…
  •  Not on your bank's terms...
  •  And not on society's terms...
But on your terms. More about that in a second...

First, I need to share a 
story about a friend of 
mine named Alex.
Alex is a software engineer who lives in the San Francisco Bay Area.

He is 29 years old, single, and $250,000 in debt.

His debt consists of state, private, and federal student loans he took out to attend Northwestern University in Chicago.

Great school, superb education, and lots of fun…

But looking back, Alex says that it was the single worst decision of his young life.
Here’s why:
  • ​The monthly payment on his debt is $2,738
  •   His monthly income from work, after taxes and his healthcare contribution, is about $3,904
  •  He’s left with about $1,166 to pay all of his essential monthly living expenses like rent, utilities, food, car, gas, etc... 
Every month, Alex barely makes it. His checking account reads zero at the end of every month. (If he’s lucky)
  
And, he has no life because he can’t afford to go out or travel.

Every time he gets a bonus from his job, his money disappears.

Alex is in financial prison.

He is serving a 10-year prison sentence for a bad decision that will end up costing him $78,560 in total interest on his loan, taking the cost of his education to $328,560.

Alex is just one of millions of adults who are being punished under crushing debt levels that they were told was okay to take on.

Well, “THEY” got it wrong!
It’s an expensive lesson no doubt, but it’s one Alex will never make again.
  
The truth is, being financially free goes way beyond the size of your paycheck.

Sure, the size of your paycheck can help. But if you don’t know how to use your money – you will always be broke.

And unfortunately, most of us are never taught how to use money to build wealth.

Here’s how you can learn from Alex’s mistake, and start living life on your terms…

The truth is, building wealth is kind of like climbing a mountain. The goal is to get to the top – but how the heck do you get there?

By coming up with a plan and climbing one step at a time.

Here are the 5 steps to C.L.I.M.B. To Wealth:

Step 1
Create Your Financial Base
Have you ever been to, or seen pictures of, the Great Pyramids in Egypt?

What do you think the chances are of the pyramids tipping over?

None…

That’s because most of the time, effort, and materials went into building a solid foundation for the pyramids. It’s the reason why they’ve stood the test of time for more than five thousand years.

How you build your base is everything.

It starts by stopping the financial bleeding that is caused by high-interest debts.
This would include anything that is costing you over 12% a year like:
  • ​Credit cards
  •  Cash advance loans (also known as ‘Fast Cash’ loans) 
  •  Merchant cards for things like furniture, clothing, electronics, etc.   
It might seem like an impossible task, especially when you are always playing catch-up.

But there is a solution…

I’m going to show you how you can build a $2,000 savings fund within the next 90 days.

This way you never have to worry about going into debt for a small emergency again.

Then I’m going to give you 3 strategies to help you eliminate your high interest debts very quickly.
Step 2
Lead Your Money
What’s passive income?

It’s income that you are not actively involved in earning.

You need to create passive income if you ever want to be wealthy.

The majority of people have a consumer mindset.

They make money, pay the highest taxes, and then use whatever money is left to buy (or finance) things that rapidly decline in value.

I call these things consumer expenses (labeled 'CE' below).
I’m going to show you how you can use your money as tool to attract you more money.

Instead of following what the majority of people do, you are going to build an investor mindset like the minority of people.

Now you are going to make money, and if you do this correctly you will pay less in taxes – legally. [More on this in the Multiply Your Income step].

Then you will use your money to buy investment seeds (labeled 'IS' below), which are things that pay you with passive income.
Step 3
Interest Free Living
We are living in a debt culture.

It’s completely normal to make $1 and then go out and spend $1.25.

You don’t have to be a math genius to understand that this is not going to end well.

That is…unless you’re a bank.

Banks LOVE it when you are SO FINANCIALLY STUPID!

They make BILLIONS of dollars every year because you don’t understand how the game works.

Well, enough of that…

In this step, I’m going to show you how to use your money to build your own wealth. Not wealth for the banks and credit card companies.

So you're going to learn how to get rid of your remaining debts (student loans, car payments, mortgage).

Plus, I’m going to give you a lot of tips on how to spend your money in the future.
Step 4
Multiply Your Income
Financially speaking, working harder at your job is the worst way to grow your income.
Here’s why:
  • ​You get paid for your time. When you don’t work, you don’t get paid. 
  •  You limit the amount of money you can make because there’s a limit to how many hours you can exchange for dollars
  •  Working hard for someone else is expensive. You pay the highest taxes.
I have the option to be a high-paid employee (I’m a licensed attorney).

As a business attorney, I could charge $250 per hour for legal services.

But financially, it doesn’t make sense for me for 3 reasons...

1. I don't like selling my time for money;
2. I'd have to pay the highest taxes; and
3. It's not my passion.

I’m going to show you how to work smart to create a side income from the internet, even if you’re working a job or going to school.

I think it’s the smartest way to work hard in this new economy.

This way, you can do the work once and get paid for it years into the future.

I’ll also show you how to pay less in taxes using strategies approved by the IRS.
Step 5
Be Great
Your family is depending on you to be smart with your money.
  
When you keep more, you have more, and you can do more.

Does that make sense?

I’ll teach you how to protect your new wealth from the people who want to take it from you, and hurt your way of life.  

Don’t let it happen.

I’m also going to show you how you can incorporate giving into your lifestyle because the more you have, the more you can do.
Traditional Financial Planning
Won’t Make You Wealthy…
We are in a new financial era. 

In the 1970s there were...
 No cell phones.
 No personal computers.
 No webbanking.
 No Facebook.
And very limited financial education.
Times have changed. Our economy has changed. But the way we are taught to use our money hasn’t changed one bit.

Stop being a dinosaur and get with the times.

Just because the masses do something doesn’t mean it’s right…sometimes the ‘m’ is silent.
Here’s what traditional financial planning looks like:
1. Get a degree
The cost of getting a degree has been skyrocketing (college tuition has increased by 1,120% since 1978 - that's much faster than inflation), while your salary hasn't been keeping up.

That means you have to pay significantly more to make the same amount of money, while the cost of living keeps increasing. 

Great...

Welcome to the "real world" with a whole lot of debt. 
2. Work hard at your job
In the old economy, if you followed the traditional system where you went to school (with little to no debt), got a job and worked there for forty-five years you were pretty much guaranteed to live a good life.

You had job security, a work-life balance, and enough vacation time. 

You could afford to enjoy life and you were spoon-fed a retirement with social security or a pension.

Now, in the new economy things are very different.

Job security is a thing of the past with outsourcing, automation, & robots. You have to bust your butt to get a week of vacation, the 401(k) sucks and Social Security is hanging on by a thread.

This doesn't mean all hope is lost. This means you have to stop being a dinosaur and understand how money works in this new economy.
3. Invest in your 401(k)
Believe it or not, the 401(k) is not risk free, it’s very expensive, you don’t get great tax breaks, and the returns aren’t that good. 

There are simple alternatives that allow you to keep more money in your pocket.
  
I’ll be talking more about this in the myths section below.
4. Save your money
Have you ever heard people talk about how cheap things used to be in the past?
  
In 1970 a gallon of gas cost $0.36. Now, it’s many times more than that.

Ever wonder why?

It’s because inflation drives the price of things up every year.

When you save your money, your money isn’t growing, even though your rent, your groceries, your car, and your healthcare is getting more expensive.

Strategic saving does have its place so you don’t have to go into debt when an emergency happens. But saving won’t make you rich…or wealthy.
So what can you do to build your wealth?
Well, you can start by budgeting your money and live below your means. Lots of people start that way. But they’re quick to discover that the “live below your means” strategy by itself doesn’t work to build wealth unless you have something more.

Without proper financial education, you can’t master money.

You use money every single day. You need to understand how it works.
Mastering money in this 
new economy to 
build your wealth...
Mastering money in this new economy to 
build your wealth...

The majority of people are playing in this new economy with old economy rules. 

It’s more important than ever to learn how to use your money as a tool and create multiple streams of income.

I tried a bunch of things…
  • ​Penny stock trading. A proven way to make tons of money?! Nope. A very expensive lesson.
  •  Online surveys. The only thing this gave me was a virus on my computer. 
  •  Fixed rate CDs. Crappy returns & you can't use your money for years. Not a good combo.
  •  High margin stock trades. Debt amplifies your mistakes when you're inexperienced.
  •  Living wayyy below my means. Yes, this works – but you have to do it strategically. 
  •  Buying “get rich quick” programs. I’ve purchased some and I’ve been scammed by others. You can’t sacrifice the sacrifice. 
These were expensive lessons, but they taught me what I know now. It’s important to learn from your mistakes. 

But it’s a whole lot cheaper to learn from someone else’s mistakes.

The good news is, I spent countless hours compiling my financial journey into a course that will show you how to use your money as a tool to build your own wealth.
It’s Time For You To Take Charge Of Your Financial Life!
Introducing…
The CLIMB To Wealth
BLUEPRINT
Learn the strategies wealthy people use to build & keep their wealth. All in a step-by-step program, risk free.

Whether you’re ready to save your first $2,000…or you want to create enough passive income to live your dream lifestyle, we’ll show you exactly how to do it.
Here’s what you get when you join today
Step-By-Step Videos:
Over the course of 5 weeks you will get lifetime access to over 30 lessons. We will dive deep into exact strategies and tactics you can use to start building your wealth right away.

No sugar-coating, no BS, and no hyped up information that doesn’t work.
Printable Summaries For You To Keep:
Every step will come with a workbook that you can print & keep. 

You will get a personal finance spreadsheet to track your finances. 

And every video lesson will have a discussion page with a written summary for your convenience. 
Learn Anytime, Anywhere:
Whether you are learning from your laptop, phone, or tablet – you can watch our course at your convenience.
Once You Buy It, It’s Yours
This is a one-time purchase that stays with you for life. Feel free to come back and re-watch the course as many times as you like. 
A Program That Holds You Accountable
It’s our job to make sure you understand how to build your wealth. That's why video comes with small homework assignments to keep you on pace, so you don’t fall behind. 

And we have occasional quizzes to ensure you are understanding the information. 
But that’s just the beginning -

I want to see you succeed...and unlike most investments, this course DOES come with a guarantee.

If you go through the entire course, take action, & you haven’t made a profit within 60 days of signing-up, I will pay you.

That’s how confident I am that our system will work for you in only 60 days.

You can go through our entire course, try it out, and if it doesn’t work, I will give you all your money back plus 10% more with our 110% money back guarantee.

This way you have no risk. To learn more about our 110% money back guarantee, see the Frequently Asked Questions section. 

How about that for a risk-free guarantee?

Now you have no reason not to give it a try. You have nothing to lose and everything to gain.
Let’s go over what you will see in each step…

Every week for the next 5 weeks a new step will be unlocked, and videos released. 

The course is strategically designed so you have time to digest the content without getting overwhelmed.

Week 1: Create Your Financial Base
  •  Lesson 1 - Strategic Saving: Create a plan on how to save your money so you can create a savings fund and learn how to pay off your high interest debts immediately. 
  • ​Lesson 2 - Saving Will Not Make You Rich: The majority of people become poorer when they save their money. That’s why you have to learn how to save strategically
  •  Lesson 3 - Proven Strategies to Create Your Financial Base: Learn three strategies you can apply right away to save money and pay off your high interest debts.
  •  Lesson 4 - My Story: Hear an in-depth story about my financial journey.
  •  Lesson 5 - Unexpected Ways to Save More Money: Learn 8 strategies you can use to keep more money in your pocket.
Week 2: Lead Your Money
  • ​Lesson 1 - Let Your Money Make You Money: You will create a money management system while learning about the difference between active and passive investments. 
  • ​Lesson 2 - Why Retirement Is A Lie, Your 401k & Investing Explained: Retirement is an old model. Learn about retirement & 401(k) alternatives.
  • ​Lesson 3 - What Goes Up Must Come Down: We will dive deep into market & economic cycles, what causes them, and how you can find discounted investment opportunities in any economy.
  •  Lesson 4 - What Is Money: What is your $100 bill worth? See how money is valued, how money is created, and how to protect your assets against inflation.
  •  Lesson 5 - How You Can Start Investing Today: A action-driven lesson, you will be given multiple strategies to start investing today.
  •  Lesson 6 - Why Wealthy People Invest in Real Estate: See how real estate investing works to create passive income, how you can get started, learn about real estate tax breaks, and things you should look for as a real estate investor.
  •  Lesson 7 - Shopping with The Minority Mindset - Stock Market Investing: Ever wonder how you can make money when other people spend money? This is how.
  •  Lesson 8 - Lending Money - Banks Never Lose: Banks have created a profitable game where they make money by issuing loans. How can you model them?
  •  Lesson 9 - Should You Invest with Debt: Learn about how you can strategically use debt as an investor, and see the easiest million dollar deal I ever did.
  •  Lesson 10 - Saving Vs. Investing Which Is Riskier: What’s safer, saving your money or investing? We will do an in-depth analysis to see how risky investing really is.
Week 3: Interest Free Living
  •  Lesson 1 - Stop Making Your Banker Richer: See how much money you are wasting by financing things & learn how to pay off your remaining debts very quickly.
  •  Lesson 2 - What Can You Afford: Learn how wealthy people spend their money and see how you should spend your money with budgeting tips.
  •  Lesson 3 - Get Paid to Spend: Credit cards can be very lucrative if you use them correctly – you will learn how.
  •  Lesson 4 - Should You Buy A House Vs Rent: Unlike what many people believe, owning a home isn’t always the right answer. See what's best for you. 
  •  Lesson 5 - How To Buy Your Next Car: Cars depreciate in value quickly. Learn how to buy a car so you can keep the most money in your pocket.
Week 4: Multiply Your Income
  • ​Lesson 1 - Earn More Money the Right Way: Financially speaking, working harder at your job is the worst way to make money. There is an alternative. 
  •  Lesson 2 - Create an Income Generating Machine: Not all businesses are made the same. Study how some businesses can create reoccurring income. 
  •  Lesson 3 - Discover the Power of The Internet: The internet changed the way business is done. No, you won’t have to do any lame surveys.
  •  Lesson 4 - Fail Your Way to Success: Making mistakes and failing is a part of being successful. I’m going to share a number of my failures and what I learned from them.
Week 5: Be Great
  •  Lesson 1 - You Only Live Once: Climb to the top of the mountain so you can see the world, not so the world can see you. This is about wealth protection & giving back. 
  •  Lesson 2 - Protect Your Assets: Estate planning, how to use legal tax shields, and asset protection strategies. These are advanced strategies to protect your wealth.
  •  Lesson 3 - Light Someone’s Candle: The more you have, the more you can do. Learn to incorporate giving into your lifestyle at every stage of your financial journey.
BONUS
  • ​Lesson 1 - Is College Worth It: Hear my opinion on whether college is right for you, and how you can do college the right way. 
  •  Lesson 2 - Money & Relationships: Your partner is an investment. They can be a good investment or a bad investment. See what you can do to CLIMB to wealth as a team.
  • ​Lesson 3 - Time & Delayed Gratification: Albert Einstein called compound interest the 8th wonder of the world. But you need time & delayed gratification.
Take a minute to imagine what your life would be like if you never had to worry about money again.

No more credit card bills.

No more house payments.

No more student loans.

No more financial worries.

The majority of people are living life just to pay bills. You owe it to yourself to free yourself from financial prison.

And here’s the good news...anyone willing to put in the work can do it.

You don’t have to know anything about investing to succeed with this course.

All you need is an open mind, a strong work ethic, and the desire to live life on your terms.

It is not going to be easy – the things I talk about are hard and they will push you out of your comfort zone.

But hard doesn’t mean impossible. And I’m going to give you the tools to help make it happen...

You may be asking yourself right now –

“Why should I listen to anything you say about money?”

You should listen because I’ve done it already.

I’ve tested and proven every theory, tactic, and strategy that I teach in my course.

This is not a course on information I learned from reading books (or buying courses).

This is a step-by-step course on the information I learned from doing and teaching.

Here’s some background on me…

My parents are immigrants from India who came to America for a better life.

In Indian culture, when you leave and go to a new country, you have to support yourself, your family, and your extended family back in India.

Can you imagine the pressure they must have felt?

And despite the obligation to honor their commitments, my parents went for it in America and made it happen.

My dad made a good living but couldn't take days off.

He worked long hours (80+ per week) with only a few days off for holidays. I can’t imagine the pressure he must have felt at the time trying to make it work in a new country.

Like many Indian immigrants, my parents wanted me to be a doctor. They believed that "becoming a doctor" was the secret to becoming wealthy.

…And if I became a doctor, I would be able to help my ENTIRE family.

That was my parents “wealth building strategy” in a nutshell.

Oh…and saving every penny you could. That’s the key to financial success, become a doctor and save your money.

My mom and dad were so convinced that I was going to be a doctor that they hired a tutor to get me ready for the MCAT (Medical College Admission Test) when I was only 12 years old.

You’re not supposed to take the MCAT until you're in college. But that didn’t stop my parents from getting their doctor.

No pressure Jaspreet…

So I grew up being told not to worry about money, and not to invest because investing was risky business.

Instead, my parents told me to save my money in the bank and be very frugal (AKA cheap).

I knew there was a better option.

And with all due respect to my loving parents, I decided to become an entrepreneur.

But I was so concerned about dishonoring my parent’s wishes that I had to run my business in complete secret during college.

And then I bought my first real estate investment property when I was 19 that paid me $350 a month (after expenses) in passive income.

When I told my parents that I wasn't going to be a doctor, they were very unhappy and disappointed as you might imagine.

So, I struck a compromise with them…

I agreed to go to law school.

Sounds like a big compromise on my part, especially since I was already making good money from my business and didn’t need a job.

But it was extremely important to my parents for me to get a formal education.

I didn’t think much of it at the time. I had been in school my whole life and I was given a hefty scholarship. 

So, I said screw it and did it.

That made them happy, and now they can say that their son is a lawyer. (Even though I don't work as an attorney)

With my parents honor intact, I was able to focus in on the financial education that I want to teach you.
Is the CLIMB To Wealth Blueprint Right For Me?
This course is not for everyone & I will be brutally honest if this course isn't a good fit for you. 

I know this will costs me sales. But, I am not interested in selling a bunch of courses to people who will not benefit from it. 

I want to see you succeed, even if that means you don’t purchase our product.
Here’s who CLIMB To Wealth is not for:
  • ​People with passive investments generating more than their annual expenses. You are ready for more advanced investing strategies.
  • ​People who cannot afford our course. Do not go into debt to buy this course. Start by watching our free content on YouTube and read our blog to put money aside. When you’re ready, this course will be here for you.
  • ​Lazy people. If aren’t willing to make financial sacrifices or put in the work. Don’t buy this course. It’ll be a waste of your time, money, & energy. We only want people who will commit to putting in the work to purchase this course.
  • ​Anyone looking for “easy secrets” to building wealth. While we will give you strategies and tips on what to do, you can't sacrifice the sacrifice. It will take a lot of discipline and effort on your part to make it happen.
Here’s who CLIMB To Wealth is for:
  • ​People who are ready to make their first investment to start generating passive income. 
  • ​People who are living paycheck-to-paycheck, looking for a better financial life.
  • ​Go getters who want financial freedom. You want to live a life that the majority of people dream of. And you also understand this is not something that will happen overnight. 
  • ​People tired of being a pawn in the traditional system. If you are ready to break away from the “majority” you have to learn the rules to the game, so you can win in the game.
WE GUARANTEE YOU’LL MAKE YOUR MONEY BACK
WITHIN 60 DAYS – 
OR ELSE WE’LL PAY YOU.

TRY CLIMB TO WEALTH 
110% RISK FREE
WE GUARANTEE YOU’LL MAKE YOUR MONEY BACK
WITHIN 60 DAYS – OR ELSE WE’LL PAY YOU.
TRY CLIMB TO WEALTH 110% RISK FREE
There's a ton of crap information out there. Here's our way of standing behind our education - we put our money where our mouth is. 

This course is years of personal experience compiled into one training. I know how powerful this information is. That’s why I’m going to give you more than enough time to watch the material, understand it, and apply it to your life.
 
You have 60 days to try out the course and act on what you learn. If you don’t love the course, you get your money back.

But this is a financial course, not a course on love. 

I not only want you to love this course, I want you to profit from it. 

If you go through the entire course and you don’t make your investment back in 60 days, I’ll pay you for wasting your time with our 110% money back guarantee. (See frequently asked questions to learn how the 110% guarantee works)

You won’t see a guarantee like this anywhere else because our education is unlike anything else.

Now you can spend the next 60 days trying out the entire course and then decide if it’s right for you.

How’s that for a risk-free guarantee?
Get Started Now For Just
1 Payment of 
$497 $297 USD
(LIMITED TIME 40% DISCOUNT)
If you have any questions or concerns about the course, email us: 
support@TheMinorityMindset.com
If you have any questions or concerns about the course, email us: 
support@TheMinorityMindset.com
Have questions? No problem.
We have answers.
Here are some
frequently asked questions.
 How do I pay for this course if I’m broke?
As you grow beyond the Minority Mindset YouTube Channel and our blog – you might be interested in step-by-step instructions on how to master your money. Our financial education does just that.
 
If you can't afford this course, don't go into debt to buy it. Start with our free content and then progress to our paid content when you are ready. Use our free content as a platform to grow from.

The cost of this course is a bargain compared to the value you will get.
 How soon can I start watching the videos?
Once you sign up, you will be emailed with access into the course right away. You will be able to watch the first two modules. Then, every week for the next 4 weeks, a new step will be unlocked. 
 Is this 110% money back guarantee legit?
Yes. We guarantee our education is unlike anything you’ve ever seen and we’re putting our money where our mouth is.

*To qualify for the 110% money back guarantee here’s what you have to do:
1) Go through the entire course (complete 100% of it). We must protect our interest as well. If we are going to pay you, you have to at least go through the entire training.
2) Take action to improve your finances, based on what you learn
3) You must not save an amount equal to or earn an amount equal to the price of the course for which you paid within 60-days of purchasing the course. 
4) Request the 110% money back within 60-days of purchasing by emailing our support team. You will be paid via PayPal.

Still not good enough? You can request a 100% money back guarantee anytime within the next 60-days no questions asked.
 Is this only for USA people?
The information we teach applies everywhere - even if you are not in America. A select few portions (taxes, 401k, & recommended brokers) will be USA specific – but our financial education applies across the globe. 
 Do I need to quit my job?
No. Our course will teach you how to use your money as a tool and how to earn more money the right way. You will build a financially fit lifestyle. 
 Will I get lifetime access to the course?
Yes. This is a one-time purchase that comes with lifetime access to the course so you can come back and learn anytime. 
 I suck at managing my money – will this course work for me?
You won’t suck for much longer. You will learn how to build financial discipline and you will create a financial system on how to monitor your money.
 Is this a course on investing?
No. This is a course on how to use your money as a tool to build wealth. We will dive deep into investing in the Lead Your Money step, but this is not an investing course.
 
We will cover the basics of stock market investing, real estate investing, and money lending. But this is not a course on stock market investing, real estate investing, or how to be a private money lender. 

If you’re looking for a how-to course on investing in the stock market, real estate, or money lending, this is not the product for you.
 What if I buy this course and it sucks?
Hopefully this won't happen, but we want you to feel safe investing in this course. Once you purchase the course, you have 60 days to go through the entire education and apply it to your life. We are very confident you'll love our education. But of course, our financial education isn’t magic either.
 
If you aren’t happy with the course for any reason OR you don’t make your money back within 60 days, we will pay you with our 110% refund. See 'Is this 110% money back guarantee legit?' for more details. 

This way we take on all the risk, and you keep the upside.
 I ask a lot of questions – will you help with that?
Unfortunately, it’s not physically possible for me to do one-on-one consulting with everyone. However, the detailed videos, handbooks, worksheets, and lecture summaries will explain everything you need to know. 
 I already know how to invest my money – what do I need you for?
This course goes beyond just investing. We talk about how you can use your money as a tool to build your wealth. 

Investing is just one part of that.

Plus, you might learn some new investing strategies in our Lead Your Money step because we focus on investing for passive income. 
 Are you going to teach me how to start a business?
Starting a business is an art of its own. From product creation, to marketing, to fulfillment, to customer service, intellectual property, to content creation – there are a lot of factors that go into “starting a business”.
 
This course will give you a framework on how digital businesses work and how you can start making money using the internet. You will also learn what good businesses entail. But this is not a training program on how to build a business.

If you're looking for a course on how to make money online, this is not the product for you.
 Wealthy? Why not rich?
When people think of being rich, they often associate it with owning a bunch of flashy things and living large. While there’s nothing wrong with living large, that’s a secondary part of being wealthy.
 
When you’re wealthy, the primary concern is to live free. The secondary concern is to live large.

A free life is one where you don’t have to worry about how you’re going to pay your bills. You don’t have to beg your boss to get a vacation. And you can afford all the nice things you want, without worrying about the price tag.

It’s easy to look rich. Any bank will be willing to help you with that. Our goal is to build wealth.
 There is a bunch of free content out there. You even have a YouTube Channel on it. Why should I pay for this?
You’re right. There’s a lot of great content out there and I encourage you to learn whatever you can.
 
This course goes beyond that. It is designed to hold your hand and tell you exactly what to do with your money step-by-step. From saving your first $2,000, to paying off your credit card bills, to budgeting your money, to investing for passive income, to smart spending, to earning more. Not only do we go over what to do, we  give you strategies on how to do it.
 How long is the course?
Each step (module) will be unlocked one week at a time. You can take as long as you need to watch the course. Watching every video from start to finish (including bonus videos), completing the assignments, and understanding the material will take about 10 hours. 
9 Common Money Myths
You Are Programmed To Believe
Here are some common money myths I’ll dispel in the course:
MONEY MYTH #1
“Saving will make you wealthy”
This myth is a little tricky. Saving money is useful when you do it strategically.
  
But if you are saving your money without a plan – you are losing.

When you blindly save your money, your bank gets rich because they use your money to make loans and profit billions.

While, at the same time, your savings lose value because the cost of living (like the cost of your rent, your milk, gas, healthcare, etc.) keeps skyrocketing with inflation.

That’s why the majority of people become poorer when they save their money.

Doesn’t seem fair does it?

Well, that's why you're going to learn to save strategically. 

MONEY MYTH #2
“Cash Is King”
It’s the exact opposite.
  
Cash serves the king or queen. (That’s you)

And once the cash is gone, the king or queen is gone. 

Cash only has value if you use it. But if you use your cash, it disappears.

See the problem?

That’s why our goal isn’t to hoard a ton of cash. It’s to create passive income.

So how is passive income different than cash?

Passive income is cash that keeps coming back month after month and year after year.

MONEY MYTH #3
“The 401(k) Is a great Investment”
Want to know why you never hear wealthy people brag about the performance of their 401(k)?

Because they don’t have a 401(k). 

Here are a few reasons why your 401(k) isn't an amazing investment:

1.  The fees in a 401(k) are high. In fact, the average worker will pay over $140,000 in fees over their lifetime.

Don’t you think you could use that money to live better?

The people that get the most benefit when you invest in your 401(k) are the folks on Wall Street because they get paid whether or not you do. 

2. Your money is tied-up for years. You can’t touch it until you’re 59 ½.

If you started a 401(k) at age 22, you can’t access it without paying a huge penalty for thirty-seven and a half years!

Do you really want to tie your money up like that?

3. The tax benefits aren’t as great as you might think.

The Government sells you on contributing to a 401(k) account saying that you can defer the income tax until you take it out in retirement.

Even though you still have to pay FICA taxes when you contribute to your 401(k).

What do you think the chances are that tax rates will be the same (or lower) when you are old enough to take your money out of your 401(k)?

Slim to none…

The Government knows that the money you defer today will likely be taxed at a much higher rate when you decide to take it out later on in life.

So, the most tax efficient strategy you can do is to pay tax on the money you earn today while rates are low. Then invest your money in places where you get real tax breaks.

MYTH #4
“0% APR promotions mean FREE money”
This little trick helps banks and credit card companies haul in huge profits.
 
Here’s how: 

They hook you with an interest rate of 0% APR on their new credit card. So you sign-up thinking, “Why not? It’s like free money”

So you start spending money, you don’t have, until you reach your credit limit.

Then, the 0% APR deal ends and you are left with a staggering credit balance that you’re paying 22% APR on.

That’s why there’s no such thing as free money.

MONEY MYTH #5
“You have to be born rich to build wealth”
This one can’t be further from the truth.
  
I could write pages and pages talking about how false this is with countless examples.

The key is that you need to think the way a wealthy person thinks. 

There are only twenty-four hours in a day. There’s a limit to how many hours you can exchange for dollars.

That’s why wealthy people use their money to make them more money.

You don’t need millions to start doing this (or anything close). You can start with just a few hundred dollars.

But you will have to change the way you think about money.

MONEY MYTH #6
“Retirement is the goal”
Do you really want to wait until you’re 67 (average retirement age) to finally start enjoying life?
  
With an average life expectancy of 78, that gives you 11 years to enjoy the financial freedom you’ve been dreaming of all your life.

Why wait until you are old to start enjoying life?

It makes no sense!

Yes, there is a better way. I call it lifestyle planning.

Lifestyle planning is where you work to create your dream lifestyle by working to create passive income while fulfilling your life’s purpose.

MONEY MYTH #7
“I need more money to fix my money problems”
90% of money problems have nothing to do with the amount of money you make.
  
Why do you think 70% of those Mega Millions lottery winners go bankrupt?

Or that 78% of NFL players end up bankrupt or broke within two years of retiring?

Having money doesn’t make you a money genius. Which is why, for the majority of people, more money leads to more financial problems.

You have to learn how to use money the right way to keep it and grow it.

MONEY MYTH #8
“Take on debt while you're young because you'll have more time to pay it off"
That's total garbage.
Young people are already facing a financial crisis with a rising cost of living, skyrocketing cost of education, and stagnant wages.

More consumer debt is the LAST thing you need.

Financing things you can’t afford that don’t pay you is the number one reason why the majority of people will never build wealth.

When you finance a $2,000 TV that you couldn’t afford, here’s what happens:

You will have to pay back the $2,000 for the TV.

And then you will have to pay an additional $2,000 in interest to your bank.

You have to pay $4,000 to buy a $2,000 TV because you didn’t have the money to buy it in the first place.

Not good financial planning.

MONEY MYTH #9
“Job security”
As hard as this is to hear, your employer isn’t looking out for your best interest. When you rely on your employer to make money, you will always be at their mercy.
  
When your company is doing great, no big deal.

But if your boss runs your company into the ground, you will have to pay the price.

Don’t let that happen to you. Think five steps head & create additional streams of income.

Plus, job security doesn't exist when you're 65 and have no other stream of income.

You need to start planning your dream lifestyle now because no one is going to do it for you.
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If you have any questions or concerns about the course, email us: 
support@TheMinorityMindset.com
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